Home > Finance > Credit Card > Najm Credit Card

Najm Credit Card in UAE April 2023 - Total 5

Najm offers a variety of credit cards, including rebates, simple payment plans, and incentive loans whenever the owner pays. The Najm Blue Card, Najm Card and Najm Gold Card provide up to 4% of each refund for purchases made at Carrefour and elsewhere. Najm Platinum also provides refunds, but customers can also earn points for each rating. This free award can be redeemed through air or hotel ti...ckets, VOX movie tickets, and the purchase of selected books and theme parks.
Since 2008, Najm has provided financial solutions and is a subsidiary of Majid AI Futtaim Ventures, headquartered in Dubai. Through branchless banking and significant customer returns, the bank has raised the banking business process to a new level. It works effortlessly and aims to provide the easiest way to access the bank.
Following are the top credit cards by Najm;

1. Majid Al Futtaim Finance (Najm) ONE Cash Back
Benefits
• When applying for a credit card, within 60 days from the date of credit card approval, Carrefour can get 10% cash back for consumption, while other places can get 5% cash back. The maximum value of cash back you can earn is AED 500
• After that, Carrefour shopping can get up to 4% cash back, all other purchases can get 2% cash back
• Use credit card at the dedicated cash counter at Carrefour Hypermarket
• One-to-one free movie tickets can be purchased at VOX Cinemas in the UAE
• Utility payment tool
• With the help of phone lending, you can choose to transfer up to 70% of the card limit to your bank account
• Simple payment plan of 0, 3, 6, 9 or 12 months.
Features
• You need a monthly salary of at least AED 8,000 to use this card.
• For a 55-day interest-free period, the minimum repayment amount is 5% or 100 AED, whichever is higher.
• The ratio is between 3.25% and 3.79%.
• The annual fee applicable to this card is AED 313.95
• When applying for a credit card, within 60 days from the date of credit card approval,
• Carrefour can get 10% cash back for consumption, while other places can get 5% cash back.
• The maximum value of cash back you can earn is AED 500.
• After that, Carrefour can earn 4% cash back for every dirham spent; in other places, it can earn 2% cash back for every dirham spent.
• There is no mileage award program on this card
• Transfer the balance to the Najm Platinum Plus
• Cashback credit card and receive a preferential interest rate of 6, 9 or 12 months
• The more frequently you use Najm ONE, the more cash back you will receive, and you can directly deposit it into your card at most each month to get a cash back of 500 dirham.

2. Majid Al Futtaim Finance (Najm) Platinum Plus Cashback
Benefits
• When applying for a credit card, within 60 days from the date of credit card approval, Carrefour can get 10% cash back for consumption, while other places can get 5% cash back. The maximum value of cash back you can earn is AED 500
• After that, Carrefour can get 4% cash back and all other shopping can get 2% cash back
• Use credit card at the dedicated cash counter at Carrefour Hypermarket
• One-to-one free movie tickets can be purchased at VOX Cinemas in the UAE
• Utility payment tool
• With the help of phone lending, you can choose to transfer up to 70% of the card limit to your bank account
• Simple payment plan of 0, 3, 6, 9 or 12 months.
Features
• You need a salary of at least AED 7,000 per month to use this card.
• For a 55-day interest-free period, the minimum repayment amount is 5% or 100 AED, whichever is higher.
• The ratio is between 3.25% and 3.79%.
• The annual fee applicable to this card is AED 420
• When applying for a credit card, within 60 days from the date of credit card approval, Carrefour can get 10% cash back for consumption, while other places can get 5% cash back.
• The maximum value of cash back you can earn is AED 500. After that, Carrefour can earn 4% cash back for every dirham spent; in other places, it can earn 2% cash back for every dirham spent.
• There is no mileage award program on this card At Carrefour, you can get 3% cash back for every dirham you spend; in other places, and you can get 1.5% cash back for every dirham you spend.
• Every Tuesday Carrefour uses the Najm card to double the cash back. Carrefour coupons can be exchanged for up to AED 500 per month.
• Transfer the balance to the Najm Platinum Plus Cashback credit card and get a 6, 9 or 12 month discount.

3. Majid Al Futtaim Finance (Najm) Platinum Cashback
Benefits
• When applying for a credit card, within 60 days from the date of credit card approval, Carrefour can get 10% cash back for consumption, while other places can get 5% cash back.
• The maximum value of the cash back you can earn is AED 300 After that, Carrefour shopping can get 3% cash back, and other shopping can get 1% cash back.
• Use credit card at the dedicated cash counter at Carrefour Hypermarket One-to-one free movie tickets can be purchased at VOX Cinemas in the UAE Utility payment tool
• With the help of phone lending, you can choose to transfer up to 70% of the card limit to your bank account Simple payment plan of 0, 3, 6, 9 or 12 months.
Features
• You need a salary of at least AED 7,000 per month to use this card.
• For a 55-day interest-free period, the minimum repayment amount is 5% or 100 AED, whichever is higher.
• The ratio is between 3.25% and 3.79%.
• The annual fee for this card is AED 0
• When applying for a credit card, within 60 days from the date of credit card approval, Carrefour can get 10% cash back for consumption, while other places can get 5% cash back.
• The maximum value of the cash back you can earn is AED 300.
• After that, Carrefour can earn 3% cash back for every dirham spent; in other places, it can earn 1% cash back for every dirham spent.
• There is no mileage award program on this card
• Transfer the balance to Najm Platinum cash back credit card and get a preferential interest rate of 6, 9 or 12 months
• At Carrefour, you can get 1.5% cashback for every dirham you spend; in other places, you can get 0.5% cashback for every dirham you spend.
• Every Tuesday Carrefour uses the Najm card to double the cash back. Carrefour coupons can be exchanged for up to AED 200 per month.

Features of Najm Credit Card
• Get up to 10% cashback discount anytime, anywhere
• Every time you shop locally and internationally, you will get a navigator reward
• Discount on movie tickets at VOX cinema
• 0% simple payment plan for specific stores
• Low / no annual fee
• High yields and discounts for travel booking
• Earn rewards or cash back as welcome bonus
• Get purchase protection for free
• Free valet cart on the cash back card

Eligibility criteria
The minimum required wage is AED 5K-15K. The applicant should be at least 21 years old. Only UAE nationals and foreigners are eligible. The documents required for Majid Al Futtaim Finance (Najm) credit card are Proof of Wage / Wage, Transfer Letter (Paid Individual), Emirates ID, UAE residence visa (foreign nationals), 3-6 months bank statement, Proof of address (utility bill), Passport (foreigners) and Business license (self-employed)

Credit Card	Minimum Salary	Rate
Najm - Voyager Platinum Credit Card	8,000	3.25%
Najm - Voyager Signature Credit Card	12,000	3.25%
Najm - Platinum Cashback Credit Card	7,000	3.25%
Najm - Platinum Plus Cashback Credit Card	7,000	3.25%
Najm - ONE Cashback Credit Card	8,000	3.25%